"Some lenders are asking questions like how much money do you have in your savings? Do you have a line of credit that might be able to help you out with these mortgage payments? Or is there another source of income that you have coming in?”

And the ability to defer payments could hinge on things like whether it's your principal residence or a rental property.

"The lender is going to look at you know, if you are still receiving rental income you know, that’s going to help out with making that mortgage payment. Some lenders are not allowing you to defer the payment on that rental property anyways.”

Kolinski suggests if you are going to miss a payment, to call your lender to avoid hurting your credit profile.

"If you don't go through the right channels and defer that mortgage payment property and you just skip your payment by not paying it, That's when it's going to have a big impact on your credit score.”